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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $121,787 | $82,678+47.3% | $125,391-2.9% | $68,490+77.8% |
| Participation rate | 92.3% | 75.1%+17.2pp | 82.4%+9.9pp | 67.9%+24.4pp |
| Annual return | -16.70% | -5.97%-10.7pp | 572.41%-589.1pp | -7.85%-8.8pp |
| Employer contribution / active EE | $2,605 | $3,382-23.0% | $4,816-45.9% | $2,597+0.3% |
| Participant deferral / active EE | $9,836 | $6,111+60.9% | $7,448+32.1% | $4,028+144.2% |
| Admin fee / account holder | $4,527 | $6,277-27.9% | $10,009-54.8% | $5,403-16.2% |